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Industries · Personal and pet services

Insurance for dog daycares and boarding kennels.

Animal bailee coverage for every dog in your play yards and runs, general liability, workers’ comp for handlers, and property for facilities that board overnight.

A few quick questions, then we send you your price. Many trades get it in minutes.

What dog daycares and kennels usually carry

  • General liability, $1M / $2M
  • Animal bailee
  • Workers’ comp
  • Property and kennels
  • Business income
  • Commercial auto, for pet transport
  • Umbrella

Watch for these in a daycare or boarding policy

  • Illness versus injuryMany animal bailee forms cover injury but not illness. Kennel cough or parvo spreading through a play group may not be covered.
  • Dog-on-dog injuriesPlay group fights drive many daycare claims. Make sure the per-dog limit covers surgery, not only stitches.
  • Nights with no one on siteWhen dogs board with no staff overnight, carriers often require monitored smoke and heat alarms. A fire with animals inside is the loss they worry about most.
  • EscapesA dog that slips past a gate and is hit by a car is a bailee claim, and a liability claim if it hurts someone. Double-gated entries matter to underwriters.

What landlords and franchisors ask dog daycares and kennels for

  • Additional insuredFranchisors and landlords usually ask to be named on general liability.
  • Set limitsFranchise agreements often spell out minimums for general liability and animal bailee.
  • UmbrellaMany franchise agreements require $1M or more on top.
  • Workers’ compProof of coverage for every handler, part-time staff included.

Questions dog daycares and kennels ask

Straight answers.

The questions we hear most, answered plainly.

What does animal bailee cover at a dog daycare?

Injury to, death of, or loss of a dog while it is in your care, up to the per-animal and total limits. Check whether illness is included.

Does a signed owner waiver replace insurance?

No. A waiver helps your defense but does not stop a lawsuit, and it does nothing for a dog that injures a visitor or a passerby.

How is dog daycare and boarding insurance priced?

Usually on how many dogs you can hold, whether you board overnight, your revenue, your staff, and your claims.

How fast can I get a certificate?

Once your policy is bound, you request certificates from your client login, with the wording your contract asks for.

Can I pay monthly?

Yes. Most policies can be paid in full or monthly.

Personal and pet services

Don’t see yours? See every industry, or tell us what you do and we’ll quote it.

Pet sitters and dog walkers

General liability, $1M / $2M, Animal bailee, Third-party bond

Pest control

Pest control general liability, Pesticide and herbicide coverage, Errors and omissions, for inspections

Locksmiths

General liability, $1M / $2M, Errors and omissions, Tools, stock, and van contents

Photographers

General liability, $1M / $2M, Camera and equipment floater, Professional liability

Event planners

General liability, $1M / $2M, Professional liability, Host liquor liability

Appliance repair

General liability, $1M / $2M, Commercial auto, Tools and parts

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